The very curious consequence of fractional-reserve banking was that it pulled new money out of thin air. The funds were simultaneously accounted for in the statements shown to the depositor, evidently available for withdrawal or transfer at any time; and given to third-party borrowers, who could spend them on just about anything. Heck, the borrowers could deposit the proceeds in another bank, creating even more money along the way! Whatever they did, the sum of all funds in the monetary system now appeared much higher than the value of all coins and banknotes issued by the government.

As for the remainder of your money, I suggest splitting it across two largely unrelated financial institutions with different risk profiles - say, a big national bank and a local credit union. As long as the deposits are insured by the government (as they normally are in the US and in Europe, up to a per-account limit), this approach greatly increases the availability of your money, and probably doesn't expose you to any substantially new dangers. Keeping all your savings outside the banking system is an option, too, but it's not necessarily a smart choice. With fiat currencies, this move does not truly insulate you from that many longer-term risks, but adds the very real possibility of losing all your funds to fire or theft.


Your run-of-the-mill shoe stank might not pose much of a survival threat, but trench foot certainly will; baking soda is great at absorbing the moisture that might otherwise literally cause your feet to rot off your legs. As for the health of your teeth -- it will be pretty hard to get through your day's rations of homemade jerky and hardtack without some high-quality chompers. And you certainly don't want to rely on that pesky fluoride that will "kill your brain over time" (um, what?).
158. Baofeng handheld – If you’re looking for a handheld HAM radio, Baofeng delivers. FCC certified if you want to go HAM without a huge setup this 2 pack handheld is the right way to start. Before you buy a radio and start broadcasting you need to get familiar with the laws and the FCC and consider getting a Technicians license to be able to broadcast legally. You can ‘receive’ with no license, but to broadcast you need to be certified.
Over the phone from the company’s headquarters in Salt Lake City, Shields attributed the spike to the onslaught of natural disasters that left thousands of Americans without food in 2017, and rattled many more. “You got the hurricane that hit Florida, you got the hurricane that hit the Houston area, you got the hurricane that devastated Puerto Rico,” he said. “Geologists are coming out and saying that California is severely overdue for a big earthquake. You got these major events that are taking place that affect mainstream America. So how do you protect your family?”
These documents will assist rescue workers and first responders in identification and in providing you with adequate medical care, if needed. It also would not hurt to include some pictures of yourself with family members.  I like to store this information on a flash drive along with other information such as survival manuals, home inventories and such.
"Disperse!" came the command from the helicopter hovering above us. Every exit point seemed blocked by clouds of tear gas or the loud kapow! of flash-bangs. Every explosion startled me; I felt like I was going to jump out of my skin. Rubber bullets were being shot at us from every direction by cops dressed in SWAT gear, as if this was a war, not a protest. Someone next to me fell to the ground grabbing his face. I saw he was bleeding and scared, and I dropped next to him, telling him he was going to be OK, that I was a medic. It was my first time treating a wound in the street during a fray. Looking down at my hands and seeing a stranger's blood on my gloves chilled me, but there wasn't time to feel anything. My legs moved on autopilot, going from person to person to check on them. "Do you need a medic?" I found myself shouting over the noise every time I heard a scream.
This may sound like a good argument for putting all your money into freeze-dried meals, medicine, shovels, and other survival supplies. But of course, that decision would become a huge liability should the apocalypse not come, or simply not come soon enough: you probably can't pay a roofer or a dentist with a pallet loaded with ammo, cigarettes, and canned ham.

1. Something else to consider is a smart phone. My phone has a 32gig memory chip. It can holds LOTS of info. Some paperback books will be good to have. But even off the grid a phone can still access certain apps that have been downloade. I have about 50 books on my phone. A compass. Maps. I can draw a quick map or list with my stylis too. I can easily share documents and file by just tapping my phone on another smart phone. Take pictures and zoom in on them. Great to check progress walking and general references.… Read more »

Blame modern diets, blame our longevity, or blame the mistakes of mother nature - but the bottom line is that for most humans, dental problems are a question of "when", not "if". And when excruciating pain strikes at an inopportune time, it's really no laughing matter: in absence of adequate medical care, tooth problems have been known to push some people to the verge of suicide.

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To get it right, make a list of all your emergency gear, along with expiration dates where applicable. Next, go through the list marking all the "stays home" stuff - the supplies that are impractical to haul around or not particularly essential when evacuating. Make sure that all the tactical gear - such as flashlights, fire extinguishers, first-aid kits, and self-defense weapons - are in a logical and easily reached place. For the remaining "stay home" items, just find an unobtrusive location, stow them away, and write the spot down in your spreadsheet.
Robert A. Johnson sees his peers’ talk of fleeing as the symptom of a deeper crisis. At fifty-nine, Johnson has tousled silver hair and a soft-spoken, avuncular composure. He earned degrees in electrical engineering and economics at M.I.T., got a Ph.D. in economics at Princeton, and worked on Capitol Hill, before entering finance. He became a managing director at the hedge fund Soros Fund Management. In 2009, after the onset of the financial crisis, he was named head of a think tank, the Institute for New Economic Thinking.

(For folks who consume coffee or caffeinated beverages daily, and who have near-complete tolerance to caffeine, adrafinil pills can be a viable emergency choice. Adrafinil is a powerful wakefulness-promoting agent with no stimulant properties, and is not a regulated substance in the US and many other parts of the world. Note that daily long-term use carries some risk of liver toxicity and other side effects. Do your homework.)


Of course, no new money was being created in any physical sense: all that banks were doing was engaging in a bit of creative accounting - the sort of which would probably land you in jail if you attempted it in any other comparably vital field of enterprise. If too many depositors were to ask for their money back, or if too many loans were to go bad, the banking system would fold. Fortunes would evaporate in a puff of accounting smoke, and with the disappearance of vast quantities of quasi-fictitious ("broad") money, the wealth of the entire nation would shrink.
According to Hobel, shelter is your first priority. Lay down cardboard and other materials to insulate yourself from the ground. (Even in summer, the ground can have temperatures that lead to hypothermic conditions.) Use tarps, blankets, pillows—whatever you can find—to build the shelter on that layer. It should be as low to the ground as possible, and you shouldn’t be able to sit up when you’re inside, Hobel says. Other than the airflow you need to breathe, block all openings to keep cold air from coming in. It’s a matter of conserving heat. A lot of people don’t realize that their bodies are heat sources, Hobel says. You’re almost 100 degrees. Trap that heat around you instead of letting it rise in a tall shelter, and you won’t need a fire to stay warm.
In fact, one of the most significant health consequences of nuclear accidents is also very easy to manage: it's the release of copious amounts of radioactive iodine, a short-lived substance that gets absorbed by the thyroid gland. To deal with this issue, people in the affected areas are typically offered potassium iodide pills; this temporarily saturates thyroid and prevents any further uptake of iodine for a couple of days or weeks. Such tablets are available over-the-counter and dirt cheap ($7), so it's not a bad idea to have some at hand.
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